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Original poster

anyone ever been DeBanked?

211 replies

LittleRob · 04/02/2025 00:21

After finding myself the wrong side of a bank, who I've been fighting them for a while.. I spoke to a friend of mine who pointed me here. His exact words " You need to put this on mumsnet, cos that place will have an opinion on what's happened to you... "

So firstly has anyone on here ever been #DeBanked, cos my story should serve as a warning to anyone that is a customer of a high street bank.

post your questions and buckle up for a story that will make your hair turn white... fall out and raise more questions than it anwers

my background I'm a nobody, yet my bank chose to debank me, and sieze all my families money after a near fatal accident... and this could happen to you.

more to follow, it's been a long day and I just introduced myself a few hours ago.

OP posts:
Original poster
LittleRob · 04/02/2025 01:03

ThatFluentTiger · 04/02/2025 00:55

I got it back eventually

Show quote history

well there's hope then :) the key is this could happen to anyone....! I've been at this for 16 years after nearly getting killed at work. The ombudsman found in my favour told the bank to negotiate, Their own solicitors said "negotiations" would be a sensible way to move forward and yet they choose to retain the money.

So this could happen to anyone and the question is what would you do when. They switch off your life..? (access to your own money)

got to dash I do have a job to do

but yeah I would be #teambank all day long, they employ 70K people in the UK of which there' about 5,000 retained solicitors...

OP posts:
ChonkyRabbit · 04/02/2025 01:05

SomethingUniqueThisTime · 04/02/2025 01:00

What a cliffhanger …

I can't sleep until I know the whole rollicking ride of Rob's rip-roaring relation.

Lovebirdslovetea · 04/02/2025 01:05

LittleRob · 04/02/2025 01:03

well there's hope then :) the key is this could happen to anyone....! I've been at this for 16 years after nearly getting killed at work. The ombudsman found in my favour told the bank to negotiate, Their own solicitors said "negotiations" would be a sensible way to move forward and yet they choose to retain the money.

So this could happen to anyone and the question is what would you do when. They switch off your life..? (access to your own money)

got to dash I do have a job to do

but yeah I would be #teambank all day long, they employ 70K people in the UK of which there' about 5,000 retained solicitors...

Show quote history

I don’t understand. You were paid a large sum because you almost died at work and the bank decided that it was somehow fraud?

TheEllisGreyMethod · 04/02/2025 01:07

Yout inability to put together a story has me wanting to DeMumsnet you, so I get it.
#TeamBank

JHound · 04/02/2025 01:09

LittleRob · 04/02/2025 00:21

After finding myself the wrong side of a bank, who I've been fighting them for a while.. I spoke to a friend of mine who pointed me here. His exact words " You need to put this on mumsnet, cos that place will have an opinion on what's happened to you... "

So firstly has anyone on here ever been #DeBanked, cos my story should serve as a warning to anyone that is a customer of a high street bank.

post your questions and buckle up for a story that will make your hair turn white... fall out and raise more questions than it anwers

my background I'm a nobody, yet my bank chose to debank me, and sieze all my families money after a near fatal accident... and this could happen to you.

more to follow, it's been a long day and I just introduced myself a few hours ago.

As somebody in banking - you probably deserved it.

#TeamBank.

MrsTerryPratchett · 04/02/2025 01:10

got to dash I do have a job to do

Maybe post the story out of the gate then.

#TeamBank seems right.

thistlepiedpiper · 04/02/2025 01:15

UbiquitousObjects · 04/02/2025 01:01

When banks 'debank' they don't withold the money in the account permanently unless there's substantial proof that all of the funds in question were obtained fraudulently or criminally from someone else - and even then the money will sit in holding and eventually be forwarded to who the rightful owner is determined to be. The banks don't simply 'bank' the money for themselves. Ever.

The majority of people 'de-banked' are for very good reasons.

I used to work in a department that did this - absolutely correct info

Banks don't just 'de-bank' you Rob

Anyway, awaiting the story. Hope I'm awake before thread is removed (otherwise hope someone makes a TAAT tomorrow)

WellsAndThistles · 04/02/2025 01:18

Maybe try the Daily Mail, we're all about potty training and penis beakers on MN. No one will care that you broke the banks T&C's.....

takealettermsjones · 04/02/2025 01:19

I rode on a shark's back once.

I'm far too busy to talk about it though. Tatty bye.

Jillfi · 04/02/2025 01:20

The UK banks are foul and as crooked as hell post-covid. Be wary. There are horror stories about Natwest, HSBC, Barclays and Lloyds and they are getting closer and closer. Diversify your savings and investments across at least two or three accounts, commodities, property, etc.

BMW6 · 04/02/2025 01:24

Jillfi · 04/02/2025 01:20

The UK banks are foul and as crooked as hell post-covid. Be wary. There are horror stories about Natwest, HSBC, Barclays and Lloyds and they are getting closer and closer. Diversify your savings and investments across at least two or three accounts, commodities, property, etc.

Come on then, give us links to these true stories.....

Original poster
LittleRob · 04/02/2025 01:29

JHound · 04/02/2025 01:09

As somebody in banking - you probably deserved it.

#TeamBank.

Show quote history

seems fair #TeamBank

my timeline

2009 125kg about (16stone) falls 4m (18ft) and hits me in the head (bit extreme not everyone has this happen in their lives. It's suppose to kill you dead, but didn't and nobody told any different so I carried on working. At times I wish it did, just kill me but we can't all be that lucky)

2009 4 months after the incident I've learned to walk after a fashion and talk again, I mentioned what happened to me to my bank. Explained that there will be courtcase and insurance claim as I believe I'm the victim in this instance
The bank at first says "well support you, yup no problem"
within 72 hours I'm debanked nothing works they cancel my business accounts and all my accounts and we're off and into the funny and unlikely story

I get stuck in a legal battle for a while, after 10 years the level of injuries are finally agreed on and because I'm debanked and have no access to any of my money, my legal case fails as I can't pay my solicitors and I end up with a 500+K legal bill.

the bank in the meantime tried to take away our home a couple of times as being debanked makes it very complex to get a new account... they've crystalised the debt of the mortgage into what they claim was a owed payable immediately... but as I didn't have a bank account becaue it was removed from me by them... it was a very much a chicken and egg question.

so how would you deal with one minute being able to buy and do as you like to the next not being able to buy a packet of crisps on credit..?

right that me done for a moment as I do have a job to do very soon.

and my mate was right this place is pretty lively...

OP posts:
ThatEllie · 04/02/2025 01:31

It really depends on your story, Rob. If you’ve done something fucky then I can’t say I’ve much sympathy.

Edit: Well something is definitely fucky. What reason did they give for seizing your accounts?

Original poster
LittleRob · 04/02/2025 01:32

ThatEllie · 04/02/2025 01:31

It really depends on your story, Rob. If you’ve done something fucky then I can’t say I’ve much sympathy.

Edit: Well something is definitely fucky. What reason did they give for seizing your accounts?

Edited

I survived what has been deemed impossible... :)

OP posts:
Canonlythinkofthisone · 04/02/2025 01:32

Yawn
My daughter told me a story about a plane in the sky that was really high. She's 2.
It was better than this.
Hopefully work keeps you from posting, indefinitely.
If I'd bought tickets I'd want a refund.

ChonkyRabbit · 04/02/2025 01:34

How can a story manage to be both ludicrous and boring at the same time?

But the tin foil hatters have arrived so we'll get some juicy nonsense soon.

TheFatCatsWhiskers1 · 04/02/2025 01:37

because I'm debanked and have no access to any of my money, my legal case fails as I can't pay my solicitors and I end up with a 500+K legal bill.

Why didn’t you do No Win No Fee?

PebbleJus · 04/02/2025 01:38

I haven’t been debarked but a close relative has. He spends a lot of time abroad and the bank’s request (by letter) for KYC information went unanswered in the time he was away. Once you’ve missed the deadline and they tell you that they’re closing your account, there appears to be no way back.

The problem for him is that the bank (eventually) gave him his money back in the form of a cheque. Circa £50,000. He has no bank account to cash the cheque and can’t open one due to now being domiciled abroad.

The bank hasn’t withdrawn his credit card though. The credit limit remains the same, just shy of £10,000. If they thought he was a fraudster they would have removed that immediately wouldn’t they?

TheFatCatsWhiskers1 · 04/02/2025 01:39

@PebbleJus that’s barking mad

DysmalRadius · 04/02/2025 01:40

Why did you mention your accident to your bank?
What support did you think you'd need from them?
Did you hold all your accounts (business, personal, mortgage) all with the same bank?
What are their stated reasons for debanking you?

Original poster
LittleRob · 04/02/2025 01:42

TheFatCatsWhiskers1 · 04/02/2025 01:37

because I'm debanked and have no access to any of my money, my legal case fails as I can't pay my solicitors and I end up with a 500+K legal bill.

Why didn’t you do No Win No Fee?

that would have been so much simpler, sadly the insurance under which the claim was started, would not allow it.

So I was locked into a single path way... from which I could not escape.

OP posts:
RocketNan · 04/02/2025 01:42

"Rob! Rob DeBank!" Hahaha... [rambles]...terrible flatulence... [rambles] ...you see?... [rambles] ...the whole thing was made completely out of rubber... [rambles; make bubbling noises] ...in fact, we communicated the whole time with sign language... [rambles] ...a rather striking moustache...debanking bastards [rambles]...wow! you see?... [rambles]...you know, you can actually use one of those tiny bank pens….thieving bastards!... [rambles]...I'm afraid I was very drunk.

Original poster
LittleRob · 04/02/2025 01:44

DysmalRadius · 04/02/2025 01:40

Why did you mention your accident to your bank?
What support did you think you'd need from them?
Did you hold all your accounts (business, personal, mortgage) all with the same bank?
What are their stated reasons for debanking you?

.I was brought up to be honest, upfront and direct.

and yes we had it all in one bank.... nobody ever told me that banks could be dishonest.

they never and have never answered the simple question "why?"

OP posts:
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